Should salary increases, life insurance proceeds and expected inheritances be considered available resources for financial planning? Do you consider it wise to include them in a financial plan? Why/ Why not?

I AM CONFUSED WITH IT!!CAN ANYONE PLEASE GIVE ME SOME IDEAS????????THANKS!!!!!!

I don't consider them available financial resources.

Salary increases are uncertain. Life insurance is intended for the family of the deceased. Expected inheritances may not materialize for a long time -- if ever.